The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,300
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$547/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$524/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,355
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,760
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$656/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,095
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$628/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,220
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$765/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$733/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,140
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$984/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,643
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$943/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,608 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).